How to open a bank account in Sweden

To open a bank account in Sweden, you'll need: 1. Personal identity number (personnummer) - this is critical for most banking services 2. Valid ID (passport or national ID card) 3. Residence permit (for non-EU citizens) 4. Address verification Major banks include Nordea, SEB, Handelsbanken, and Swedbank. Without a personnummer, banking options are limited, but some banks offer basic accounts to EU citizens with a coordination number (samordningsnummer). Mobile banking apps and BankID (electronic identification) are widely used for daily banking and payments. EU/EEA citizens have the right to open a payment account in Sweden, even if they are not permanently resident in the country. It is not permitted for a bank to refuse someone an account solely because the person lacks a Swedish personal identity or Swedish address. Norden.org Non-EU/EEA citizens can also apply to open a bank account, but banks have greater freedom to refuse if they cannot meet the customer due diligence and identification requirements according to the Anti-Money Laundering Act. Maklarsamfundet.se